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- In addition, you can access the 30 bonus right after verifying your account and using it for trading different instruments.
- This deal, available through brokers, is on offer for borrowers with at least 40percent equity in their property.
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Its broker-exclusive deals see some of the biggest cuts with a two-year fixed remortgage deal now priced at 4.6percent (65percent LTV). Five-year fixed rates start from 4.28percent (65percent LTV) or 4.7percent at 95percent LTV, both with a 1,495 fee. Accord has tweaked rates down by 0.17 percentage points on its buy-to-let range. It is offering a five-year fixed rate at 4.97percent at 60percent LTV for house purchases, although there is a steep 1,995 fee. There is a two-year fix at 4.9percent (60percent LTV) with the same fee. At 75percent LTV rates start at 5.35percent for a two-year fix (1,495 fee and 500 cashback) for remortgage customers or 5.39percent over five years with no fee.
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The mutual lender is offering a three-year fix for remortgage at 5.44percent for new customers with 25percent equity in their property. Fixed rates on its product transfer deals for existing customers will also be reduced. At the same time the mutual is cutting buy-to-let fixed rates both for new and existing borrowers. NatWest has reduced a broad range of its fixed rate deals for new and existing customers. Its residential fixed rates are cut by up to 0.27 percentage points, while buy-to-let rates are slashed by up to 0.4 percentage points.
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The equivalent deal over three-years is now 4.44percent – up from 4.29percent. The five-year fixed rate with a 999 fee (60percent LTV) has gone up from 3.99percent to 4.19percent. The calculation is based on an average five-year fixed rate of 4.44percent (on a 25-year repayment mortgage) for an average first-time buyer mortgage of 191,219. It assumes a purchase price of 224,963 – Rightmove’s highest recorded average asking price for first-time buyer properties. It is expected other lenders will follow suit in pulling their deals and launching new fixed rate products with higher rates.